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How does TRICARE work with Medicare Part B?

VA and TRICARE coverage · updated Jul 12, 2023

As noted in the Medicare & You Handbook:

If you have Medicare Part A (hospital and in-patient coverage) and TRICARE (insurance for active-duty military, military retirees, and their families), you must also have Medicare Part B (doctor visit and out-patient coverage) to keep your TRICARE coverage.

However, if you’re an active-duty service member, or the spouse or dependent child of an active-duty service member:
  • You don’t have to enroll in Medicare Part B to keep your TRICARE coverage while the service member is on active duty.

  • Before the active-duty service member retires, you must enroll in Medicare Part B to keep TRICARE without a break in coverage.

  • You can get Medicare Part B during a Special Enrollment Period (SEP) if you have Medicare because you’re 65 or older, or you’re disabled.

  • You should enroll in Medicare Part A and Medicare Part B when you’re first eligible based on ESRD (End Stage Renal Disease)